Phil Scaglia
Senior Loan Officer | NMLS # 502027
With 30 years of experience and nearly $3 billion in closed loans, Phil Scaglia ranks among the top 1% of mortgage lenders nationwide. Known for his personalized, hands-on approach, Phil specializes in purchase loans for all types of borrow... Show More
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Easy and direct communication - makes everything easier
Reply from Phil Scaglia
June 29th, 2026 04:10 PM
I really appreciate the feedback and look forward to working with you again.
Phil was efficient kind and so knowledgeable.
Reply from Phil Scaglia
June 29th, 2026 07:13 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
Phil was very straightforward about all the questions I had throughout the whole process!
Reply from Phil Scaglia
June 29th, 2026 03:21 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Phil was so responsive to all of our questions. He is very knowledgable and helpful in the process of obtaining a mortgage.
Reply from Phil Scaglia
June 25th, 2026 06:54 PM
Thanks for the great feedback. I hope you enjoy your new home!
Overall superior service;
Secured a competitive loan rate for me.
Reply from Phil Scaglia
June 23rd, 2026 02:40 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
Phil was responsive across text and email at any time.
Reply from Phil Scaglia
June 22nd, 2026 07:45 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Phil was incredible to work with. Very responsive and professional. I would not hesitate to recommend him to anyone
Reply from Phil Scaglia
June 19th, 2026 07:44 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Easy. responsive and no issues Fast and efficient
Reply from Phil Scaglia
June 4th, 2026 04:47 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
Phil gave good advice as a lender. He was efficient in making sure we had the documents for a east closing .
Reply from Phil Scaglia
June 2nd, 2026 04:07 PM
I am grateful that you took the time out to leave us a response. We will use your feedback to identify areas where we can improve and provide a better experience in the future.
Phil was extremely responsive and easy to work with.
Reply from Phil Scaglia
June 1st, 2026 02:59 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
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About
With 30 years of experience and nearly $3 billion in closed loans, Phil Scaglia ranks among the top 1% of mortgage lenders nationwide. Known for his personalized, hands-on approach, Phil specializes in purchase loans for all types of borrowers—from first-time buyers to super jumbo clients. He offers creative yet responsible solutions, backed by a trusted team of 14 years. Phil provides conventional, jumbo, and portfolio loans in all 50 states. A Kansas City native, he enjoys food, travel, and entertaining.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 502027
Awards
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301. This is not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org